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How much is car insurance in White Plains?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in White Plains is about $9 cheaper than it is in the rest of New York.
Drivers relocating the White Plains should take note of the differences in average rates. You can expect to pay about $109 more for your policy in White Plains.
These rates may be the average amount White Plains drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for White Plains and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may rise again in White Plains.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their vehicle, this is not the case in White Plains, where female drivers pay around $213 per month while male drivers pay about $183.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in White Plains with a single accident on their record will usually see rates around $185 a month.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$155|
|15 Years or Older||$215|
In terms of affordable coverage, the cheapest vehicles to insure in White Plains are typically SUVs, at $152 per month.
SUV owners can expect to pay an average of around $152 a month for their policy, while truck and van drivers are usually around $397 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In White Plains, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$211|
On average, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in White Plains can be as much as $86 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $112 a month more than if you own your own home in White Plains. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in White Plains, NY
Recent trends in car insurance for White Plains drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In White Plains, the rates for car insurance declined from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $106.
How does White Plains compare to neighboring areas?
Why are car insurance rates in White Plains different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking access
- Road safety
- Crime rates
- Amount of drivers in the region
- Community regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in White Plains?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in White Plains.
White Plains Insurance FAQs
What factors affect car insurance quotes in White Plains?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in White Plains different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in White Plains?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to White Plains?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to White Plains or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.